Rural Special Districts >> Insurance Solutions >> Property

Policy Summary: Property

	•	Proprietary Form
	•	Coverage A, Real Property
		Replacement Cost No Coinsurance Blanket, Per Premises Limit
	•	Coverage B, Personal Property
		Replacement Cost No Coinsurance Blanket, Per Premises Limit
	•	Coverage C, Loss of Income
		Actual Loss Sustained Limits from $25,000 to $3,000,000
	•	Coverage D, Extra Expense
		Actual Loss Incurred Limits from $25,000 to $3,000,000
	•	Special Coverage (180 Day Reporting Requirement)
		$25,000 Pollutant Cleanup & Removal (Covered Cause of Loss) $100,000 Pollutant Cleanup & Removal (Specified Cause of Loss)
	•	Coverage Extensions
		$50,000 Accounts Receivable 25% Debris Removal Building Ordinance (The lessor of 100% or $250,000) Equipment Breakdown Loss of Income (Per Coverage C.) Extra Expense (Per Coverage D.) Service Interruption (Included in Loss of Income &/or Extra Expense) $100,000 Expediting Expense $100,000 Hazardous Substances $100,000 Spoilage $500,000 Computer Equipment $500,000 Data Restoration $5,000 Fire Extinguishing Recharge Costs $5,000 Fire Department Charges $25,000 Limited Fungus, Wet Rot, Dry Rot & Bacteria $10,000 Money & Securities $1,000,000 Buildings & $500,000 Contents - Newly Acquired and Under Construction Property $10,000 Outdoor Property $5,000 Personal Effects $10,000 Real or Personal Property in Transit or Off Premises $500,000 Software $10,000 Trees, Shrubs, Plants & Lawns ($1,000 Maximum any One Item; Limited Perils $50,000 Valuable Papers & Records
	•	Special Remarks
		Underground Piping on or within 100 Feet of Insured Premises Submersible Pumps up to 1000 hp (No Depth Restriction)
	•	Available Coverages
		Earthquake Low & Moderate Mercalli Zones Maximum $5,000,000 Flood Excluding A & V (i.e. Designated Flood Zones) Maximum $5,000,000
	•	Low Deductibles
	•	Non Assessable
	•	Automatic Inflation Adjustment - Limited to Coverage A & B